Last update: Nov 2026

Cost of Living Comparison Between St Francis Bay and Ubud, Bali

For one person, living is cheaper in St Francis Bay: $979 a month against $1,331 in Ubud, Bali, rent and utilities included – about $4,200 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

49

Cost of Living Index in St Francis Bay
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St Francis Bay Living Index
64

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index

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St Francis Bay

🇿🇦 South Africa

$979

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Monthly Cost of Living

How much you'll spend in St Francis Bay and in Ubud, Bali

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in St Francis Bay and in Ubud, Bali actually costs, broken down by who's living it.

Monthly costs for one person with rent: $979 in St Francis Bay versus $1,331 in Ubud, Bali.

St Francis Bay $979
Ubud, Bali $1,331

Estimated couple costs with rent: $1,629 in St Francis Bay versus $2,255 in Ubud, Bali.

St Francis Bay $1,629
Ubud, Bali $2,255

Monthly costs for a family of three with rent: $2,279 in St Francis Bay versus $3,180 in Ubud, Bali.

St Francis Bay $2,279
Ubud, Bali $3,180

Living in St Francis Bay costs roughly 26% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

Both cities sit below the global median: St Francis Bay 28% lower, Ubud, Bali 2% lower.

Meal at Budget Restaurant

$10.81 R 178

$3.38 Rp 61.3K

219.82%

Three-Course Dinner for Two, Mid-Range

$41.74 R 687

$34.65 Rp 629.1K

20.46%

Fast Food Meal (McDonalds, etc)

$3.53 R 58.1

$5.57 Rp 101.2K

-36.62%

Cappuccino

$2.14 R 35.16

$2.62 Rp 47.6K

-18.32%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$1.01 R 16.66

$1.54 Rp 27.9K

-34.42%

Water (0.33 liter bottle)

$0.72 R 11.93

$0.64 Rp 11.6K

12.50%

Local Beer (0.5 liter draught)

$2.06 R 33.81

$2.67 Rp 48.4K

-22.85%

Imported Beer (0.33 liter bottle)

$1.84 R 30.32

$4.26 Rp 77.4K

-56.81%

Milk (1 liter)

$0.94 R 15.47

$1.46 Rp 26.5K

-35.62%

White Bread (500g)

$1.00 R 16.37

$2.29 Rp 41.6K

-56.33%

Rice (white) (1kg)

$1.50 R 24.70

$1.11 Rp 20.1K

35.14%

Eggs

$2.70 R 44.44

$2.10 Rp 38.1K

28.57%

Local Cheese (1kg)

$7.11 R 117

$15.94 Rp 289.4K

-55.40%

Chicken Fillets (1kg)

$5.22 R 85.9

$3.88 Rp 70.5K

34.54%

Beef Round Steak (1kg)

$8.63 R 142

$11.40 Rp 207.0K

-24.30%

Apples (1kg)

$2.18 R 35.80

$3.55 Rp 64.5K

-38.59%

Banana (1kg)

$1.46 R 23.99

$1.54 Rp 27.9K

-5.19%

Oranges (1kg)

$1.70 R 28.03

$2.23 Rp 40.5K

-23.77%

Tomato (1kg)

$1.81 R 29.70

$1.97 Rp 35.8K

-8.12%

Potato (1kg)

$1.74 R 28.56

$1.86 Rp 33.7K

-6.45%

Onion (1kg)

$1.37 R 22.62

$2.42 Rp 43.9K

-43.39%

Lettuce (1 head)

$1.24 R 20.35

$1.02 Rp 18.6K

21.57%

Water (1.5 liter bottle)

$1.03 R 16.88

$0.52 Rp 9,483

98.08%

Cigarettes 20 Pack (Marlboro, Camel)

$3.14 R 51.6

$2.20 Rp 39.9K

42.73%

Wine (Bottle)

$4.74 R 77.9

$21.79 Rp 395.6K

-78.25%

Local Beer (0.5 liter bottle)

$1.27 R 20.90

$2.33 Rp 42.2K

-45.49%

Imported Beer (0.33 liter bottle)

$1.81 R 29.80

$2.97 Rp 53.9K

-39.06%

One-way Ticket (Public Transport)

$1.78 R 29.24

$0.25 Rp 4,546

612.00%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.4K

Taxi Start (Normal Tariff)

$0.82 R 13.47

$0.44 Rp 7,947

86.36%

Taxi (Normal Tariff) (1km)

$0.46 R 7.53

$0.47 Rp 8,496

-2.13%

Taxi 1hour Waiting (Normal Tariff)

$8.62 R 142

$5.60 Rp 101.7K

53.93%

Gasoline (1 liter)

$1.31 R 21.50

$0.83 Rp 15.0K

57.83%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$21.0K R 345.5K

$24.4K Rp 443.8M

-14.09%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$35.2K R 578.5K

$31.7K Rp 575.5M

10.94%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$60.8 R 999

$77.5 Rp 1.4M

-21.59%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$34.39 R 566

$6.14 Rp 111.6K

460.10%

Internet (50+ Mbps, Unlimited Data)

$41.35 R 680

$18.92 Rp 343.4K

118.55%

Gym Membership (Monthly)

$28.64 R 471

$51.0 Rp 925.8K

-43.83%

Tennis Court (1 Hour on Weekend)

$12.00 R 197

$18.25 Rp 331.3K

-34.25%

Cinema Ticket

$9.20 R 151

$4.38 Rp 79.6K

110.05%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$179 R 2,941

$492 Rp 8.9M

-63.69%

International Primary School, 1 Child (Yearly)

$6,135 R 100.9K

$12.2K Rp 221.9M

-49.80%

Jeans (Levis 501 Or Similar)

$71.9 R 1,182

$45.16 Rp 819.9K

59.12%

Summer Dress (H&M, Zara, etc)

$39.31 R 647

$34.89 Rp 633.4K

12.67%

Sport Shoes (Adidas, Nike)

$112 R 1,846

$78.3 Rp 1.4M

43.31%

Men's Leather Business Shoes

$95.1 R 1,564

$77.9 Rp 1.4M

22.10%

1-bedroom Apartment, City Center (Monthly)

$420 R 6,910

$1,078 Rp 19.6M

-61.02%

1-bedroom Apartment, Outside City Center (Monthly)

$308 R 5,069

$665 Rp 12.1M

-53.66%

3-bedroom Apartment, City Center (Monthly)

$834 R 13.7K

$3,510 Rp 63.7M

-76.25%

3-bedroom Apartment, Outside City Center (Monthly)

$711 R 11.7K

$1,671 Rp 30.3M

-57.47%

Buy Apartment in City Center (m2)

$784 R 12.9K

$2,340 Rp 42.5M

-66.49%

Buy Apartment Outside City Center (m2)

$648 R 10.7K

$2,236 Rp 40.6M

-71.03%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

11.94

13.78

-13.35%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for St Francis Bay: November 1, 2026

Last update for Ubud, Bali: November 1, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

St Francis Bay

$308 31.5%

Ubud, Bali

$665 50% 116% $357

Groceries & Markets

St Francis Bay

$190 19.4%

Ubud, Bali

$279 21% 47.4% $90

Eating Out

St Francis Bay

$144 14.7%

Ubud, Bali

$106 8% 26.4% $38

Clothing & Footwear

St Francis Bay

$143 14.7%

Ubud, Bali

$106 8% 25.8% $37

Monthly Utilities & Internet

St Francis Bay

$136 14%

Ubud, Bali

$103 7.7% 24.9% $34

Sport & Entertainment

St Francis Bay

$47 4.8%

Ubud, Bali

$60 4.5% 27% $13

Getting Around

St Francis Bay

$10 * 1%

Ubud, Bali

$12 0.9% 16.9% $1.7

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $420 in St Francis Bay and $1,078 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $42 in St Francis Bay vs $35 in Ubud, Bali. Groceries flip the comparison at $190 vs $279, with St Francis Bay cheaper for home cooking.

Good to know

🇿🇦 St Francis Bay

🇮🇩 Ubud, Bali

🕒 Local time

12:02 12:02 PM

18:02 6:02 PM

6 h ahead of St Francis Bay

🌤 Weather

👥 Population

5,910

74,800

💱 Currency

South African Rand ZAR R

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 ZAR = 6.08 USD

100 ZAR = 5.41 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.9 EUR

Exchange rates and currency converter

IDR, USD, EUR to ZAR – South African Rand Converter

🇺🇸 United States Dollar ($)

🇿🇦 South African Rand (R)

South African Rand exchange rates as of November 5, 2026: 1 USD = 16.45 ZAR (100 ZAR = 6.08 USD). 1 EUR = 18.49 ZAR (100 ZAR = 5.41 EUR).

Indonesian Rupiah exchange rates as of November 5, 2026: 1 USD = 18,155 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,401 IDR (100,000 IDR = 4.9 EUR).

USD to ZAR in detail →

On the map

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Highest

Between locations

St Francis Bay Ubud, Bali 9,520 km ≈ 12 h nonstop flight

From you

St Francis Bay
Ubud, Bali

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

St Francis Bay vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $979 in St Francis Bay and $1,331 in Ubud, Bali, so St Francis Bay is about 26% cheaper – a gap that matters a lot on a fixed or modest income.

You’d need roughly $1,468 in St Francis Bay and $1,996 in Ubud, Bali to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $420 in St Francis Bay versus $1,078 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $179 in St Francis Bay versus $492 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Ubud, Bali – a meal for two runs $35 versus $42 in St Francis Bay. If you eat out regularly, this makes a real dent in your monthly spending.

At $979 in St Francis Bay versus $1,331 in Ubud, Bali, a $1,200 budget is realistic in St Francis Bay but tight or insufficient in Ubud, Bali. The gap between the two cities makes St Francis Bay the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, St Francis Bay and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.